Livingston at a glance
- Population: 1,971, the 111th-largest community in Louisiana out of 302 (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,879 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: up about 4.9% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Louisiana places: 111th of 302 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 63% of the places in Louisiana (US Census Bureau).
- Coordinates: 30.4953 / -90.7467, per the US Census Bureau Gazetteer.
- Nearest larger cities: Walker, LA (7 mi); Denham Springs, LA (13 mi); Hammond, LA (17 mi); Central, LA (18 mi); Ponchatoula, LA (18 mi); each population is a US Census Bureau estimate.
- Smaller places close by: Albany, LA (10 mi); French Settlement, LA (12 mi); Port Vincent, LA (12 mi) (US Census Bureau).
What a personal loan costs in Livingston
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Louisiana lending rules that apply in Livingston
The Louisiana rate caps and licensing rules that reach Livingston are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| Licensed-lender consumer loan finance charge caps | 36% first $1,400; 27% to $4,000; 24% to $7,000; 21% above (R.S. 9:3519(A)) Source says: "Thirty-six percent per year for that portion of the unpaid principal amount of the loan not exceeding one thousand four hundred dollars" | Louisiana State Legislature as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 12% per annum maximum conventional interest (La. R.S. 9:3500(C)(1)) Source says: "The amount of the conventional interest cannot exceed twelve percent per annum." | Louisiana State Legislature as of 2026-09-16 |
| Payday lending status | Legal and licensed — deferred presentment and small loans ($350 or less, 60 days or less) under OFI-issued licenses Source says: "Persons who make loans of $350 or less for a term of 60 days or less." | Louisiana Office of Financial Institutions as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer loan license required from OFI before making consumer loans Source says: "Persons who wish to engage in the business of making consumer loans must hold a consumer loan license issued by this Office" | Louisiana Office of Financial Institutions as of 2026-09-16 |
| State lending regulator | Louisiana Office of Financial Institutions (OFI), Non-Depository Division Source says: "OFI is responsible for the supervision of various entities which provide financial services to the citizens of the State of Louisiana." | Louisiana Office of Financial Institutions as of 2026-09-16 |
How to compare offers in Livingston
Run through this list before signing anything in Livingston:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Louisiana using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.